F30POST
F30POST
2012-2015 BMW 3-Series and 4-Series Forum
BMW Garage BMW Meets Register Search Today's Posts Mark Forums Read
BMW 3-Series and 4-Series Forum (F30 / F32) | F30POST > Technical Forums > Wheels and Tires -- Sponsored by The Tire Rack > Tire and Rim Insurance
Extreme Powerhouse
Post Reply
 
Thread Tools Search this Thread
      10-29-2014, 02:58 PM   #1
david8nyc
New Member
3
Rep
5
Posts

Drives: 435 GC X Drive
Join Date: Aug 2014
Location: NYC

iTrader: (0)

Tire and Rim Insurance

I just took delivery of my 435 GC X Drive yesterday and i was told i have about a week to decide on the Tire and Wheel Insurance. Now when i call any dealer they are telling me its too late. Does anyone have a CA contact that would be able to help me with this? Appreciate all help.
Appreciate 0
      10-29-2014, 03:02 PM   #2
G30 B58
Pace Car Driver
1547
Rep
3,163
Posts

Drives: '22 AW G30 B58 M-Sport
Join Date: May 2014
Location: my garage in PA

iTrader: (0)

Shop the wheel and tire FS forum here. Plenty of take-offs available.

I wouldn't sweat it.
Appreciate 0
      10-29-2014, 04:19 PM   #3
Mike_L
Banned
United_States
283
Rep
1,961
Posts

Drives: 2015 335xi GT M-Sport MPPK
Join Date: Jun 2013
Location: New York City

iTrader: (2)

I would definitely sweat it. In NYC, you're gonna go through rims and tires. I bent 3 rim and cracked one in 5 months with my 750. I purposely got the 18's instead of the 19's on my 335GT because I expect more of the same (and I already told them I'm taking the coverage). Living here, the coverage is an absolute MUST HAVE. Forget the take-offs, those will cost way more than the coverage. Contact whoever you have to to make sure you get that. Even if you gotta go to the GM or Owner of the dealership, get it done!
Appreciate 0
      10-29-2014, 04:58 PM   #4
spuntyb
Brigadier General
spuntyb's Avatar
United_States
4052
Rep
4,976
Posts

Drives: 2019 F90 Competition
Join Date: Aug 2013
Location: USA

iTrader: (0)

Quote:
Originally Posted by Mike_L
I would definitely sweat it. In NYC, you're gonna go through rims and tires. I bent 3 rim and cracked one in 5 months with my 750. I purposely got the 18's instead of the 19's on my 335GT because I expect more of the same (and I already told them I'm taking the coverage). Living here, the coverage is an absolute MUST HAVE. Forget the take-offs, those will cost way more than the coverage. Contact whoever you have to to make sure you get that. Even if you gotta go to the GM or Owner of the dealership, get it done!
+1

I live in Manhattan and commute to northern NJ for work along the WSH and Lincoln Tunnel. You NEED this coverage in this city. The streets eat through our wheels and tires like butter. And keep in mind NYS conveniently makes itself not responsible for damages incurred as a result of potholes from November 15 - May 15 (or something to that effect). Good times.
__________________
<b>2023 M5C SRG|Aragon || 2018 Macan GTS</b>

2019 F90 Comp MBB|Black (sold)
2018 F80 ZCP TB|SS (sold)
2015 F30 335 AW|CR (sold)
2015 F31 MG|CR (sold)
2011 E90 JB|Oyster (sold)
Appreciate 0
      10-29-2014, 04:59 PM   #5
chrisny
Brigadier General
chrisny's Avatar
United_States
547
Rep
3,307
Posts

Drives: 2020 X5 40i
Join Date: Apr 2012
Location: NY

iTrader: (0)

I was told had to be that day (of signing) to get it.

It's a crap shoot, like any insurance. So may not be worth getting worked up over, but I think you were given bad information by whomever said you had a week. I disagree on the take offs. The insurance is up to what, $1300? You can get take offs for not much more than that, especially if you're downsizing for the winter. Check the classified section and ebay, Craig's list, etc.

Whether you need it in the city or not, I think it's too late unless you complain hard enough and get someone to agree to do it, but even then may not be possible at this point.
Appreciate 0
      10-30-2014, 09:49 AM   #6
david8nyc
New Member
3
Rep
5
Posts

Drives: 435 GC X Drive
Join Date: Aug 2014
Location: NYC

iTrader: (0)

Yes i need it in NYC. My previous car was an A4 with 19's and i changed around 8 tires. One of the reasons i got the 441 Ferric Grey this time. I'm fighting with them to let me get it. They've offered me a 3rd party insurance, anyone have experience with it?
Appreciate 0
      10-30-2014, 09:58 AM   #7
carzaddict
Lieutenant Colonel
155
Rep
1,573
Posts

Drives: 2015 Cadillac Escalade ESV
Join Date: Aug 2013
Location: NJ

iTrader: (0)

ive had large rims and low profile tires on a lot of my cars........never had an issue EVER.

when I got my 3 series, i saw the sidewall looked pretty beefy, figured it would be good to go without insurance.....i was so wrong. ive already been through 3 tires and 1 bent rim. it would have pretty much paid for itself.
__________________
2015i Cadillac Escalade ESV
Appreciate 0
      10-30-2014, 06:07 PM   #8
RayYay
New Member
United_States
4
Rep
11
Posts

Drives: 2015 435 ix M Sport 6 Spd
Join Date: Oct 2014
Location: Brooklyn, NY

iTrader: (0)

I live in NYC....just got a 2015 435 and everyone recommended for me to get the tire/wheel insurance, which I did. Costs around $35 a month, which is not bad considering the cost of the BMW tires/wheels. Keep in mind i have a MT so i do tend to get a little crazy at times, BUT I have been fine so far. Granted I have only been driving for 2 months, but i feel if you are careful and know the roads, you should be fine. But it feels good that i am protected even if something does happen. But my point is, driving in NYC is not as bad as everyone says (well at least not to me).
Appreciate 0
      10-30-2014, 07:08 PM   #9
Eyenerd
Private
United_States
9
Rep
87
Posts

Drives: 2015 435xi GC and 2012 3.5 X3
Join Date: Jul 2014
Location: Northern Virginia

iTrader: (0)

I just took delivery of my GC as well - the finance guy said I can add stuff on later if I change my mind. Do you want me to check for you about adding on for your car? I'm in Northern Virginia. I paid approx $1300 for my tire and wheel insurance.
Appreciate 0
      10-30-2014, 07:24 PM   #10
Polo08816
Brigadier General
1594
Rep
3,926
Posts

Drives: 2014 335i M Sport
Join Date: Sep 2010
Location: MD

iTrader: (0)

Are you guys who are bending your wheels on 19" or larger wheels?

This was one of the reasons why I was fine with the OEM 18" M Sport wheels and saw no need to go with a larger diameter wheel.. For the winter, I'm running 235/45/18 and 245/45/18 winter tires. Figured a bit more of sidewall should address some of these issues.
Appreciate 0
      10-30-2014, 08:57 PM   #11
Jmpascual
Lieutenant
Jmpascual's Avatar
United_States
688
Rep
429
Posts

Drives: G82 M4 Competition, G05 X5 40i
Join Date: Jul 2013
Location: Dover, Delaware

iTrader: (0)

Quote:
Originally Posted by carzaddict
ive had large rims and low profile tires on a lot of my cars........never had an issue EVER.

when I got my 3 series, i saw the sidewall looked pretty beefy, figured it would be good to go without insurance.....i was so wrong. ive already been through 3 tires and 1 bent rim. it would have pretty much paid for itself.
Same. Had a bent rim and had to replace that tire 3 times with bubble problems.
Appreciate 0
      10-30-2014, 09:18 PM   #12
G30 B58
Pace Car Driver
1547
Rep
3,163
Posts

Drives: '22 AW G30 B58 M-Sport
Join Date: May 2014
Location: my garage in PA

iTrader: (0)

this guy isn't so lucky getting wheels replaced with insurance.

http://f30.bimmerpost.com/forums/sho....php?t=1052364
Appreciate 0
      10-31-2014, 09:46 AM   #13
david8nyc
New Member
3
Rep
5
Posts

Drives: 435 GC X Drive
Join Date: Aug 2014
Location: NYC

iTrader: (0)

Quote:
Originally Posted by Eyenerd View Post
I just took delivery of my GC as well - the finance guy said I can add stuff on later if I change my mind. Do you want me to check for you about adding on for your car? I'm in Northern Virginia. I paid approx $1300 for my tire and wheel insurance.
Congrats on the new car. I would appreciate if you could do that.
Thanks
Appreciate 0
      10-31-2014, 03:08 PM   #14
Eyenerd
Private
United_States
9
Rep
87
Posts

Drives: 2015 435xi GC and 2012 3.5 X3
Join Date: Jul 2014
Location: Northern Virginia

iTrader: (0)

Quote:
Originally Posted by david8nyc View Post
Congrats on the new car. I would appreciate if you could do that.
Thanks
Congrats to you too!

PM sent.

My guy can add insurance for you, not sure why your dealership won't let you.
Appreciate 0
      11-04-2014, 05:50 PM   #15
Nonoti
New Member
4
Rep
14
Posts

Drives: F30 320i
Join Date: Nov 2014
Location: ZA

iTrader: (0)

I'm not in the US but was also told either take the insurance when signing finance or not. I was not given a period. I think it has to do with finalization of the contract with the finance house and bmw. You are basically buying it with your car and once signed you have completed the purchase.

Having said that they did then say if I change my mind there's 3rd party insurers offering almost identical products I could look at.
Appreciate 0
      11-04-2014, 06:27 PM   #16
kingc0bra
Second Lieutenant
kingc0bra's Avatar
76
Rep
233
Posts

Drives: 2014 335i M Sport
Join Date: Jan 2013
Location: Los Angeles, CA

iTrader: (0)

Never buy extra warranty EVER, there's a reason why its such a big money maker for any company out there
__________________
Current: '14 335i Msport

Past: '10 370Z Roadster, 06 G35coupe, 02 Mustang GT, 02 Focus SVT, 96 Probe GT
Appreciate 0
      11-05-2014, 07:56 AM   #17
billiebob
Second Lieutenant
4
Rep
222
Posts

Drives: 328i
Join Date: Dec 2011
Location: NJ

iTrader: (0)

I drive through manhattan and queens weekly and have never had a problem on e90 or f30 18 inch wheels. Only 25,000 miles of driving though so may not be a representative sample.
Appreciate 0
      11-05-2014, 09:17 AM   #18
spuntyb
Brigadier General
spuntyb's Avatar
United_States
4052
Rep
4,976
Posts

Drives: 2019 F90 Competition
Join Date: Aug 2013
Location: USA

iTrader: (0)

Quote:
Originally Posted by Polo08816
Are you guys who are bending your wheels on 19" or larger wheels?

This was one of the reasons why I was fine with the OEM 18" M Sport wheels and saw no need to go with a larger diameter wheel.. For the winter, I'm running 235/45/18 and 245/45/18 winter tires. Figured a bit more of sidewall should address some of these issues.
17" on my E90.

I got the warranty and it has already paid for itself in the course of one year of driving NYC roads. Once for ALL FOUR wheels with small bends, and two times for two tires. Everyone's mileage will vary, but the roads around here are horrendous during the winter. And see my above post about how the city isn't responsible for pothole damage during most of the year. I would say just get it if you're DD'ing NYC. I have the roads I take memorized to the square foot it feels like, but during the winter months, potholes (large ones) can appear within hours where there previously weren't any. It's bonkers.
__________________
<b>2023 M5C SRG|Aragon || 2018 Macan GTS</b>

2019 F90 Comp MBB|Black (sold)
2018 F80 ZCP TB|SS (sold)
2015 F30 335 AW|CR (sold)
2015 F31 MG|CR (sold)
2011 E90 JB|Oyster (sold)
Appreciate 0
      11-09-2014, 08:18 AM   #19
bmw-nj
Captain
bmw-nj's Avatar
United_States
99
Rep
700
Posts

Drives: 2014 BMW 335 xdrive M sport
Join Date: Apr 2011
Location: Hillsborough, NJ

iTrader: (1)

Quote:
Originally Posted by kingc0bra
Never buy extra warranty EVER, there's a reason why its such a big money maker for any company out there
They actually were losing money in NJ and a few other states on it so they had to make a deductible. The only worthwhile insurance they sell IMO.
Appreciate 0
      11-10-2014, 05:55 AM   #20
HoustonEaDo
First Lieutenant
United_States
153
Rep
372
Posts

Drives: 2019 X3 M40i
Join Date: Jul 2006
Location: Houston

iTrader: (0)

Garage List
Another nail last Friday - another new tire on Saturday...the insurance was the best money I ever spent....
Appreciate 0
      11-10-2014, 09:26 AM   #21
carzaddict
Lieutenant Colonel
155
Rep
1,573
Posts

Drives: 2015 Cadillac Escalade ESV
Join Date: Aug 2013
Location: NJ

iTrader: (0)

is it true that there is a $50 deductible?
__________________
2015i Cadillac Escalade ESV
Appreciate 0
      11-10-2014, 09:36 AM   #22
335BOY
Colonel
197
Rep
2,802
Posts

Drives: 2017 SQ5
Join Date: Jan 2013
Location: Toronto

iTrader: (0)

Quote:
Originally Posted by kingc0bra View Post
Never buy extra warranty EVER, there's a reason why its such a big money maker for any company out there
You NEED this warranty if youre on 19 RFT. Couldnt imagine the 20".
Appreciate 0
Post Reply

Bookmarks

Tags
insurance, rim insurance, tire, tire and wheel insurance, wheel protection

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off



All times are GMT -5. The time now is 07:56 PM.




f30post
Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2024, vBulletin Solutions Inc.
1Addicts.com, BIMMERPOST.com, E90Post.com, F30Post.com, M3Post.com, ZPost.com, 5Post.com, 6Post.com, 7Post.com, XBimmers.com logo and trademark are properties of BIMMERPOST